3605 Charmed Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3605 Charmed Ln, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,626 sqft · built 2016
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$290,391 (Aug 2016)
Tax Bill	$4,219 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0096-0001-4050`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0096-0001-4050`
Alternative APN	`263034009600014050`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,626 sqft Living Area
Gross Area	3,576 sqft
1st Floor Area	1,048 sqft
Upper Floors Area	1,578 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	488 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3605 CHARMED LN
City	SAINT CLOUD
State	FL
Zip	34772-7601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPRIT PH 3C PB 22 PG 146-149 LOT 405
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3C
Legal Phase	3C
Legal Tract	96
Legal Block	4050
Legal Lot Number	405
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2038
Census Tract	43207

Owner

Source: Osceola County records · APN 34-26-30-0096-0001-4050

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3605 CHARMED LN, SAINT CLOUD, FL 34772-7601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 09, 2016 · Amount on Record
Deed Sale	Aug 09, 2016 · Amount on Record
Prior Sale	Jul 01, 2016 · Amount on Record
Deed Document Number	2016120663
Deed Book / Page	5006 / 351
Last Transfer Date	May 20, 2020
Transfer Doc	0057302389
Record Updated	Jun 08, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 02, 2020
Property Address	3605 CHARMED LN, SAINT CLOUD, FL 34772-7601
Document Number	0057302389
Book / Page	005730 / 002389
Instrument Date	May 20, 2020
Instrument	70726
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3605 CHARMED LN ST CLOUD FL 347727601, ST CLOUD, FL 34772-7601

Mortgage

Document Number	57302396
Date	Jun 02, 2020
Book Page	005730/002396
Instrument	70730

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,219.00 (+3.48%) Homeowner's exemption	$278,616 (+5.99%)	$419,000 (-0.85%) Land $78,800 Building $340,200
2024	$4,077.00 (+2.57%)
2023	$3,975.00 (+3.52%) Homeowner's exemption	$262,878 (+3%)	$422,600 (+16.45%) Land $63,000 Building $359,600
2022	$3,840.00 Homeowner's exemption	$255,222	$362,900 Land $57,800 Building $305,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

Wildfire

Wildfire Risk	High above 72% of the US · above 54% of Florida
Wildfire Likelihood	About 1 in 266 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.